Charlie Reading
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Charlie Reading is the founder and director of Efficient Portfolio. Having worked in the industry since 1999, Charlie has a wealth of experience and has been designated with ‘Chartered Financial Planner’ status, placing him in the top 10% of all advisers in the country.

Charlie is also the author of ‘The Dream Retirement’, an award-winning speaker who has a passion for amazing retirement planning.

Charlie has successfully helped many people save for, manage and enjoy their retirement, often when they didn’t think they had saved enough. Through careful planning he has shown them how they can maximise the money, reduce their risk and design an income strategy that delivers the life they desire. But Charlie is also passionate about building a better life through understanding what makes us happy and healthy. What makes our mind tick, and what strengthens our relationships, because ultimately the financial side of retirement is just the starting point.

He loves spending time with his wife and two daughters, playing golf and squash, cycling, travelling and is passionate about scuba diving, safari and good wine.

Tom Senogles
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Your likes: Formula 1 & Cats
Your dislikes: Fruit in puddings, beetroot & red cabbage
Your favourite pastimes: Skiing, golf & squash
Your favourite artist/band: Damian Marley

Tim Webb
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Tim has been with Efficient Portfolio for approaching 5 years and holds the following qualifications, whilst currently working towards obtaining Chartered status:

- Diploma in Regulated Financial Planning
- Certificate in Securities Advice and Dealing
- Certificate in Discretionary Investment Management
- Certificate in Pension Transfer Advice which is a specialist qualification which classes Tim as a ‘Pension Transfer Specialist’ by our regulator, the FCA.
- Award in Long Term Care Insurance

Prior to Efficient Portfolio, Tim worked briefly in an accountancy firm where he developed his interest in the financial services sector.

(Likes/dislikes already on the website)¬ – Please could we also update my designation on the website too, its DipPFS CertPFS (Securities & DM)

Henry Elliston
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Your likes: watching sport, holidays, live music
Your dislikes: uncooked eggs
Your favourite pastimes: squash, playing with my girls, knocking up a mean Sunday roast and walking the hound
Your favourite artist/band: Gorillaz

Henry is a Chartered Financial Planner, with 15 years’ experience advising clients in the lead up to and reaching retirement.  In particular, he has advised many professionals who have maximised their pension savings, to accrue further savings and maximise the legacy passed on to their loved ones.  He has also been elected a Fellow of the Personal Finance Society and is a Pension Transfer Specialist.

Tobias Colton
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2:1 BA (Hons) in Japanese with Tourism & Leisure

Worked here previously and gaining experience at the well-respected national firm, Brewin Dolphin.

I hold the Diploma in Regulated Financial Planning/DipPFS (RO1-RO6), as well as CF8, RO8, JO2, AF1 and JO5. I have worked in the industry for just over 5 years and currently working towards Chartered status.

Used to dealing with HW and UHNW clients’ needs, including offshore bonds, trusts and estate planning solutions.

Richard Phillips
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has been a Financial Adviser since training with Prudential in 1991, and has been Independent since 2000. He focuses his advice proposition on the active management of client funds both pre and post retirement, including tailored Inheritance Tax planning.
He is also one of relatively few advisers qualified to offer specific advice in the care funding market.

Thought I'd done the likes etc but here goes

Likes: "one pan" cooking, blues music, relaxing with a glass of wine

Dislikes: Rain, delayed flights, rap music, feta cheese

Favourite pastime: Walking along a beach/through a forest, long lazy breakfasts in bed

Favourite artist/band: I like most music and therefore most artistes but BB King and Kevin Davy White hit the spot.

Charlotte Colton
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Charlotte has been with Efficient Portfolio since 2011 but has worked in marketing and business development since graduating from Kings College London in 2007 with a BA in English. Since then she has undertaken several courses and qualifications in marketing, including copywriting, advanced social media and a diploma in Internet Marketing.

Eric Duckworth
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Eric Duckworth, Highly experienced mortgage adviser, specialising in residential, buy to let and complex commercial mortgage funding requirements. Eric holds the FPC 1,2 and 3 financial planning certificates, together with the MAQ specialist mortgage qualification, and has spent many years advising on all aspects of lending”.

Dan Smalley
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Your likes: Cooking & travelling
Your dislikes: Rock music & British weather
Your favourite pastimes: Cycling
Your favourite artist/band: Drake

Alex Wycherley
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joined Efficient Portfolio in January 2017, having worked for a well-known Wealth Management firm for 8 months preceding that. He is currently a Paraplanner and is working towards his Diploma in Financial Planning, with the final exam coming up in July. Following that he will then progress towards obtaining the APFS qualification. Prior to working in the Financial Services industry, Alex took a career break to obtain his Private Pilot’s Licence (Helicopter) and continues to pursue flying in his spare time.

Katie Burgess
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Katie is currently working towards her DipPFS Diploma in Regulated Financial Planning. Katie works as a Client Relationship Manager and has been building up her knowledge within the industry for over two years.

Molly Warren
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Molly joined Efficient Portfolio in March 2015, and has spent her time at the company gaining knowledge and experience in various areas of Financial Planning. She is currently working towards her Diploma in Regulated Financial Planning with the view of becoming a qualified Paraplanner, and she also has a keen interest in the Estate Planning sector. Molly has recently undertaken the STEP Certificate for Financial Services - Trusts and Estate Planning, and is hoping to become a STEP Affiliate Member in 2019.

Angus
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Your likes: Polo & shooting
Your dislikes: Buses & rats
Your favourite pastimes: Boxing & rugby
Your favourite artist/band: Nirvana

Alex Baker
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Your likes: Travelling & real ale
Your dislikes: The cold & spiders
Your favourite pastimes: Horse riding, reading & cooking
Your favourite artist/band: Fleetwood Mac

Angela Elder
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Angela has been with Efficient Portfolio since January 2014 and is now working with the Company Accounts. Angela has 19 Years in Accountancy roles and holds AAT Qualifications & Bookkeeping. Angela is working her way with studying and taking accountancy exams and her goal is to attain the Chartered Accountant qualification.

Angela is an avid Reader and has recently become a keen runner.

Victoria Sauntson
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Your likes: puzzles, travelling, chocolate
Your dislikes: running, Brussel sprouts, slow walkers
Your favourite pastimes: Escape Rooms, Geocaching, family games nights, reading
Your favourite artist/band: The Black Keys (at the moment)

Victoria is a skilled Personal Assistant with over 14 years of office based experience in the private sector.

Charlie Kinder
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Your likes: red wine, exploring new places
Your dislikes: being cold, deep water, mushrooms
Your favourite pastimes: reading, country walks, cooking (or trying to!)
Your favourite artist/band: Foo Fighters, Ed Sheeran

Charlie is an English Language graduate and has recently joined Efficient Portfolio as a Business Development Assistant.  With a background in administration, she looks forward to the opportunities on offer to learn and broaden her experience.